Auto Insurance

Auto premiums seem to be ever changing based on different variables. The insurance companies look at several things to determine an auto premium: credit, claim history, driving record, date of birth, garaging location of the car and the car itself. We have several carriers that offer competitive auto rates to fit each customer’s needs. We are able to provide coverage for everything, from issuing policies that require an SR-22 to getting breaks on auto premium if a child is away at school.

There are many ways to save money on auto policies, including a good student discount, a claim free history and no hits on the MVR. But, a lot of small claims actually increase the rates more than one large claim. Insurance companies determine rates based on frequency and not severity.

The biggest way to save on your auto polices is to package it together with your home. Some of our companies offer their clients as much as a 20% savings.

The privacy of the personal information we collect from customers and potential customers is very important to I.S.I. You have received this notice in accordance with federal and state laws. This notice is to porivde you with our understanding of types of non-public personal information about you that we may collect, how we use it and how we protect that information.

I. Information we collect:
We collect non-public personal information about you from the following sources:

1. Information we receive from you on applications for insurance or from other insurance forms you complete.
2. Information we receive from the companies we represent which provide insurance policies to you.
3. Information from consumer reporting agencies.
4. Information about your transactions with us, the companies we represent.
5. Information from other sources, such as employers or government agencies.
6. Information from visits to our website.

The type of information we collect is related to the insurance you requested from us and may include your name, address, social security number, driver's license number, ownership of property, marital status, health information, and other information required to get insurance coverage for you.

II. Information we may disclose:
We do not disclose any non-public personal information except as permitted by law.

III. Information we share with third parties:
We disclose non-public personal information to non-affiliated third parties only as permitted by law.

IV. Our procedures to protect your private information:
We restrict access to non-public personal information to those employees, agents, representatives or parties who need to know the information in order to provide the insurance products requested by our customers.

We have policies and procedures that give direction to our employees, and to agents and representatives acting on our behalf, regarding how to protect and use non-public personal information. In addition, we maintain physical, electronic and procedural safeguards to protect non-public personal information.

We value our customers and pride ourselves on our service. If you have any questions please contact your broker at I.S.I.